Use of Credit Service Agreement (for owners of D-purses)

The Owner of the WebMoney Transfer System unconditionally provides technical
implementation of the procedures for accounting, storage and control of bearer
debt instruments in the Paymer format, transferred by the Member of the
WebMoney Transfer System through the automatic WebMoney Transfer hardware and
software complex in the process of conclusion of a goods or services provision
transaction with a deferred settlement in title units of the WMZ type, if:

You agree with the listed below Rules for Lending Transaction in the
WebMoby Transfer System;

You are the actual beneficial owner of the electronic attributes of the
WebMoney Transfer System credit transaction (WMD title units). The status of
the actual owner of the title units of the WMD type and, therefore, the status
of a Lender (Creditor) is confirmed when You accept bearer debt instruments
registered by the Borrower in the Paymer format, transferred, following the
WebMoney Transfer procedures in accordance with the terms of the Issue of Debt
Instruments Agreement, from another Member (the Borrower) as a temporary
collateral for the goods or services provided to him;

You acknowledge full responsibility for the conclusion of a credit
transaction and accept the risks of non-fulfillment of the terms of the
transaction by the Borrower;

You independently verify the identity and creditworthiness of the Borrower
employing any means available to you prior to the conclusion of the
transaction, and acknowledge that the WebMoney Transfer System is not a party
to the transaction;

You agree to pay for the use of credit services of the WebMoney Transfer
System by automatic transfer of a fee of 0.1% of the volume of title units of
the WMZ type using the service details of the System at the time the Borrower
transfers funds to repay his bearer debt obligations in the Paymer format,
transferred to you as a temporary collateral compensation.

The rules for performance of credit transactions in the WebMoney Transfer
System

Lending operations imply the provision of goods or services by some System
Members to other System Members with the deferred settlement, secured by the
transferred, following the WebMoney Transfer System procedures, bearer debt
obligations in the Paymer format in accordance with the Terms and Conditions of
Registration of Debt Obligations with the Lending Services of the WebMoney
Transfer System.

Terms of a Loan Agreement signed by the System Members require for the
Borrower to fully repay the Lender within a specified period of time from the
date of performance of a lending transaction, by transferring equivalent amount
of WMZ title units using the Lender’s details.

Bearer debt obligations are registered by the Borrower in the Paymer format
and accounted for using the details of the WMD type, following the WebMoney
Transfer procedures, constitute a credit transaction instrument and have value
equivalent to that of goods or services provided to their owner under the terms
of the transaction.

Lending operations permit assignment of the rights of the creditor’s claim
only by the way of transferring the debt obligations of the Borrower to a New
Lender.

Automatic repayment of the debt obligations accepted by the Lender from the
System Member (the Borrower), shall be carried out exclusively by a transfer of
the WMZ title units with the value equal to the debt obligations using the
Lender’s details in the WebMoney Transfer System.

All issues arising in connection with the full or partial non-repayment of
the debt obligations received by the Lender within the establish payment term,
shall be settled by the parties to the lending transaction (the Lender and the
Borrower) as a part of bilateral relations of the parties by filing a claim
against the Borrower for the payment of the unpaid balance of the obligations
in the Paymer format .

Turnover of Debt Obligations Agreement (for the owners of C-purses)

The Owner of the WebMoney Transfer System shall unconditionally provide
technical implementation of the procedures for registration, accounting and
repayment of Your debt obligations transferred to other Members of the WebMoney
Transfer System via the automatic WebMoney Transfer hardware and software
complex in the process of conclusion of a lending transaction, if:

Hereby You agree to the following Terms and Conditions of debt obligations
registration in the WebMoney Transfer System;

You are the actual beneficial owner of the electronic attributes of the
WebMoney Transfer System credit transaction (WMD title units). The status of
the actual owner of the title units of the WMD type and, therefore, the status
of a Borrower is confirmed when another System Member accepts Your bearer debt
obligations in the Paymer format, in a form of WMD title units, as a temporary
collateral for the goods or services provided by him;

You acknowledge full responsibility for the conclusion of a lending
transaction and undertake to repay transferred to you bearer debt obligations
in the Paymer format by transferring of title units using the Lender’s details
in the volume and within the term outlined in the terms of the lending
transaction;

You independently verify the identity of the Lender, relevance of the scope
and quality of goods and services to the terms of the concluded lending
transaction as well as the goods and services delivery and receipt mode,
employing any means available to you prior to the conclusion of the
transaction, and acknowledge that the WebMoney Transfer System is not a party
to the transaction;

In the event of full or partial non-discharge of your debt obligations in
reasonable time, You agree to provide the Lender, at his request, with Your
complete identification information available in the Webmoney Transfer
System.

In the event of full or partial non-discharge of Your debt obligations
within reasonable time, You acknowledge that You are bound by civil relations
with the claimant, based on the full discharge of the obligations toward You by
the initial Lender, which were transferred to the claimant (a new Lender),
following the WebMoney Transfer System procedures, or any other system of
liability accounting, conducting the procedure of authentication of the
WebMoney Transfer ASP.

Conditions of Registration of Debt Obligations in the WebMoney Transfer
Credit Services

Registration of Your bearer debt obligations in the Paymer format is
executed exclusively at the time of the transfer of obligations to another
System Member, lending you goods or services, and ultimately imposes on You a
liability to fully repay the debt to the Lender within the established by him
time period, beginning on the date the lending transfer was concluded.

Bearer debt obligations in the Paymer format, deemed instruments for a
lending transaction, have a quantitative equivalent, determined by the
electronic attributes of the transaction and are accounted for in the WMC title
units, and are equivalent to the cost of goods or services, provided to you
under the terms of the lending transaction, calculated in the WMZ title units,
provided the cost does not exceed the total allowable limit for debt
obligations registered in the Webmoney Transfer System. The total allowable
limit for debt obligations is established for You on individual bases using the
algorithm implemented by the System Owner to restrict the maximum limit of
obligations of parties to lending transactions and cannot be adjusted at the
parties’ request.

Debt obligations transferred by You are accounted for by your counterparty
in the WMD title units and cannot be made available to You for use prior to the
debt repayment date in accordance with the terms of the lending
transaction.

Automatic repayment of Your debt obligations, transferred by You to the
Lender is carried out exclusively by the transfer of the volume of the WMZ
title units corresponding to the debt obligations using the Lender’s details in
the WebMoney Transfer System from You, using your details in the WebMoney
Transfer System.

If You fail to repay Your debt obligations within the time limit
established in the lending transaction, an automatic change of functions of the
WM Keeper software You use shall occur, i.e. You will no longer be able to
transfer title units to other Members in the WebMoney Transfer System, except
for transactions of exchange of the title units of any type held by You for the
WMZ title units via the wm.exchanger.ru exchange services of the WM Keeper
software You use. At the same time WM Keeper shall initiate an automatic
repayment of Your debt to the Lender by transferring WMZ title units in the
volume equal to the debt obligations either as a lump sum or in stages to the
Lender.